EFT

Brilliant_Essay8151

Do you have an opinion on holding LEAPs? Particularly for an EFT, 2+ yeas out.

DorianSoundscapes

I mean you kind of have to put real world ethics aside when investing if the goal is profit/growth. There are some companies I just can’t stomach viscerally, but I still get exposed to them through index funds and ETFs. But I’m surely the Snidely Whiplash EFT would probably be a banger, if it were 3x leveraged I’d eat it up. 😂😂😂

Able-Ad-3225

What’s wrong with a decent EFT to build on Everyone starts with something at least he’s trying. And over time it builds.

IrishCrnjo

With the way the market has been recently yes. Just take a look at the performance of an EFT like VOOG. 17.5% over the last 12 months. You can make bigger returns trading individual stocks, and doing things like call options. But it's riskier too. You may or may not outperform the index. But if you're good at it, you most likely will. I have most of my retirement in indexes, but set aside about 20% to make higher risk/higher yield moves.

IrishCrnjo

With the way the market has been recently yes. Just take a look at the performance of an EFT like VOOG. 17.5% over the last 12 months. You can make bigger returns trading individual stocks, and doing things like call options. But it's riskier too. You may or may not outperform the index. But if you're good at it, you most likely will. I have most of my retirement in indexes, but set aside about 20% to make higher risk/higher yield moves.

IrishCrnjo

Yuck. With the way the stock market is right now, you stick your money in a S&P500 index. Look at VOOG for example, Vanguard's S&P500 index EFT. It earned almost 5% last month alone.

BeKindToOthersOK

EFT?

InvestIntrest

I've noticed that Reddits consensus plays are usually garbage, particularly when political partisanship is at play. I was telling everyone to buy the dips and getting downvoted. If you truly think America is an oligarchy, then you should have faith that those in charge won't do anything that actually tanks the market. I think we need an inverse Reddit EFT.

InvestingMonkeys

Apple is actually down overall (since 2024) and is trading sideways now. It's gone up in the past week but down over the month. And as of Friday, are being sued by shareholders for allegedly overstating AI progress. Tesla is a volatile stock and can be down as quick as it goes up so you need to set a stop loss or have a plan to sell should that happen. Being new, I'd recommend you look at EFT's instead of individual stocks. That way you will own all these companies as well, but you will reduce your risk.

G4M35

Rule of thumb for investing in equity (either direct stoks or EFT) has always been 5 years or longer, in the present socio-political-econimic climate I'd say it's ~10 years or longer, so OP question doesn't make any sense.

G4M35

> The Fund provides investors with enhanced yield from exposure to a portfolio of companies classified as “technology” on the Nasdaq 100 Index®. Enhanced yield is generated by utilizing an active covered call strategy on up to 50% of the portfolio. Covered call options have the potential to provide extra income and help hedge long stock positions. Did you research this EFT before investing in it? Did you understand what it does and how it does it?

dws2384

The last 10 years (and especially 5) have provided almost everyone accessibility to low fee self managed trading accounts and EFT’s. There’s a lot more money constantly flowing in as people passively invest in SPY or VOO for retirement and aren’t actively trading. It also makes for easy investment around the world. I’m Canadian and prior to these things a lot of banks or investment firms here would steer us into mutual funds and or stocks more weighted to Canadian business. I pulled them all maybe 7 years ago and just passively put my money into the S&P

WOPR1983

My 2 cents. Based on a very old book If It Doesn't Go Up, Don't Buy It, the recommendation I would give if you are spending this kind of money is 1) check out this book and 2) spend this same annual money on FundX newsletter. It's very precise - basically what is top ten in Class 1, 2, 3, and 4 investments - EFT, Mutuals the only thing it doesn't have is Index. Every year since I started in 2018 this newsletter was my guide for the 5-6 funds I would use in my portfolio.

slophoto

And if said EFT doesn't give 8% return? Not a good idea.

Stonkasaurus1

Best advice I can give you is put 90% of your money in an EFT like SPY. Take the remaining 10% and learn to gamble on penny stocks. You will quickly learn why you put most of your funds in the ETF. Most people lose money on penny stocks because most think they will be the next nvda or tsla. They won't be. Plan your trades, in at x, out at y or z.

Spare_Clerk_2112

Investing isn’t for everyone and if you can’t see negative $20,000 then go back to doing something else and forget then you’re not built for investing. Everything goes red before green unless you get super lucky it’s just part of the grind is to out wait the lows or keep buying in lows to off set where you bought a little high. Investing isn’t great if you can afford the risk and have the right mentality but if you can’t just stick to EFT funds there’s plenty of money to be made even in the kiddy pool.

IDreamtIwokeUp

By being paid cash, does this mean you're avoiding taxes? You don't have to answer that... Obviously you don't want to do this. If you or the company gets audited, they will look at the bank statements and ask why incoming credits don't correlate with tax filings. If you already pay little or not tax and are in a higher income zipcode, this will increase your likelyhood of an audit. I highly recommend insisting on getting paid above-the-table. This way you will get access to unemployment benefits, medicare, social security, and you will get earned income tax credits. Plus you don't have to IRS interest penalties (and possibly avoid jail time). Lastly you can only invest in a roth (and other iras) if you have earned income. But...if you want to invest, obviously you don't have to use an IRA...you can use a simple cash account. Just open a brokerage account (eg Fidelity). Link their brokerage account to your bank account. You can then send money to Fidelity and invest in your main account. If you get earned income, you can easily add an IRA later. Fidelity provides good tech support on this. But...to get your cash into a brokerage, you would have to get it into a bank first. And if you're being paid under the table...this puts you on the radar for the IRS. Again the best solution would be to insist on getting properly paid and getting proper tax statements. It should be noted that 22 year olds rarely should be investing heavily in stocks. Typically at 22 you want to invest in a home, a better career, education, and/or paying off debt. Stock investing is sort of dessert. If you don't know what you're doing start with generic stock EFT's or index funds. Only invest in individual stocks if you do a ton of research.

GhostsinGlass

We were holding two bags, had seventy-five shares of Microsoft, five puts on an inverse EFT, a shoebox full of silver coins and whole galaxy of other regarded positions, calls, puts, straddles, laughing spanish man, and also a bottle of Brawndo, a bottle of piss, a well used poopsock, a couple buttcoins and two dozen monitors. Not that we needed all of that for the market, but once you're locked into a serious port the tendency is to push it as far as you can.

AnotherBoojum

Since early may. I'm 36 but looking at buying a house. He told me to sell my position to avoid a 20% shift in either direction when the EFT was trading a bit over $47 after dropping off $52. It's recovered since then, and I'm expecting another rise between now and when it's time to buy. The issue is that advisors are generalists, (the same guy scared me out of what would've been a very lucrative short position, on a compant in my industry) and often conservative. When Im disinterested in the details and want general advice, sure I'll go to him and DCA. But every so often I'll get a hyperfocus on one area and research the shit out of it, at which point I trust me not him. Everyone has their own style, and I get enjoyment out of mine. I'm not always making the money the meme-stock bros are, but I've still stayed just in front of the market on a prediction I made 10 years ago.

Masteroftherain

Very few people are good at day trading. Invest your money wisely, so that 10 years down the line you’ve got a nice chunk of change sat in a EFT or something. You aren’t going to make back that 3,500 doing the same thing you’ve been doing, I promise. Just cut your losses and start building wealth for the long term.

Cheese602

I buy and hold every stock, EFT and crypto possible.

AICHEngineer

Weird, transfers from brokerage to bank and bank to brokerage (EFT electronic fund transfers) take 1 day for me at fidelity. Are you sure this wasnt your first time connecting? Even my first time only took a few days.

HighCirrus

1) The analysis, while correct, failed to include MARKET sentiment, which can stay irrational longer than most of us can stay solvent. 2) Consider the mechanics of the TSLQ EFT, which is not designed for longer term holds. 3) Elon has pulled more rabbits out of more hats than anyone alive, not a great idea to bet the house against him.

Mental-Hedgehog-4426

You’re 22! Put that in a SPY EFT abs then put $200-$300 month into it until you get a well paying job, then bump it to $1000. If you do that, you’ll retire at 60 with around $3.5-$4m in your account. You won’t be Bentley rich, but you’ll be comfortable AF.

Organic_Morning_5051

>0.17% expense ratio for an international fund in 2000-2010 is *very* good. It’s disingenuous to call it “thrice as high”. It wasn't just "very good". . . It was the only option. The whole point is that the frictions, transactions costs and options we have today we're really as readily available. Even the now understood, "start investing with a dollar!" thing wasn't the case in the past. I don't know if you were around then but the minimums to get in were prohibitive. You needed several thousand dollars to just enter the mutual fund. Obviously you can buy fractional shares for a few cents with the EFT now. I feel like we're just talking past one another at this point.

S8-CASH-HOMIE

Maybe I didn’t specify very well. Wall Street & FED want recession. They prefer the tax payers to bail them out and blame Trump for everything. Which to be fair Trump in his first term contributed to all this Wall Street fraud plenty. Trump is possible one of the dumbest people on the planet. He Trump he think lower interest rates GOOOOD. High interest rates BAAAAAD. That’s literally how that numb nuts thinks. He has no idea what’s happening in the market at any time ever. He has no idea his low rates plan will lead to hyper inflation. It does appear someone has given him the impression destroying the dollar & losing the worlds leading currency reserve status is a good idea. I think there’s a push to move to crypto so they can take the power from the FED & start committing massive fraud through crypto. Which they’ve already been doing since he’s been in office with his shit coins. I’m a day trader. I short the market through EFT’s on the way down mostly the semiconductor market, & Tesla. I day trade HIMS, GME, ASTS, PLTR, OKLO, CHWY, RKLB, mostly. Things change constantly and so does my portfolio. I do not play options. I only buy and sell stocks.

TennisEcstatic594

Yeah right. You just conveniently never talk about how your DJIA EFT was up 60+% under Trump 1. Oh wait, you didn’t have the foresight to short the market due to those stupid, idiotic tariffs???

throw-away-doh

The total value of assest often mistakenly attributed to Blackrock is $11.55 trillion. But that is AUM (Assets Under Management). Its not their money. Its the money of people who have accounts with Blackrock. Blackrock is not free to do with it as it pleases, they (for the most part) have to follow the investment instructions of its customers. e.g. if you have an account with Blackrock, you transfer 1M USD to the account and instruct them to buy 1M USD of a particular ETF, that is not Blackrocks money. If black rock fails the shares in the EFT still exist. Those shares are held by the custodian, you don't lose anything.

RampantPrototyping

> It is my opinion that stocks & US treasuries are moving in the exact same directions due to a liquidity crisis. It's easier to sell your stock winners first, than your US Treasuries next when you need cash. You sell your losing stocks and/or index EFT's last when you have no more choices to raise cash. Moving down though right? Im not sure what stocks and bonds moving up simultaneously fortells

drew-gen-x

No clue. But I am finally in the green today on my $TLT position, I feel more confident on interest rates continuing to fall over the $SPY breaking above 545 in this current market. It is my opinion that stocks & US treasuries are moving in the exact same directions due to a liquidity crisis. It's easier to sell your stock winners first, than your US Treasuries next when you need cash. You sell your losing stocks and/or index EFT's last when you have no more choices to raise cash.

Appalled23

Thanks for your story. I started down a similar road a few weeks ago, shorting things like a consumer discretionary EFT, vacation stuff, etc, with the idea that the economy is going to crash and non-essential spending is going to dry up. That may still prove to be true, but the market went against me shortly after I entered it and I got out with (small) losses. I conclude that one's thesis may prove to be right, but nobody knows when.

Sunpurpleshine

I saw gold went down today I think. Do you just expect it to come back up? I guess if the market goes down then yes hold up. How do you buy your gold in an EFT?

DietOfKerbango

Index EFT buyers understand and believe in efficient markets. We just let others spend the time, effort, and money on the efficiency-making. But yes, there is an ongoing debate re: too much money in index funds having, or could have, a *significant* negative effect on efficiency.

Appalled23

Yes. Came here to say this. In my IBKR account I just converted USD to JPY, cash to cash. No Forex, no EFT, almost no cost. (Not really sure what the commission was, but I believe it's like .02%.) I'm surprised that people are just urging others to buy gold. At these historic highs? And gold has volatility of it's own, and tends to crash with the stock market (e.g. 26% in the first part of 2008). To my mind, cash is the safest, and now cash not USD is safer still.

Spankynpetey

You realize that you’re talking about a vanguard EFT. Vanguard is a US corporation headquartered in Malvern Pennsylvania, not far from where I live who only accepts payment in US dollars and trades on the New York Stock Exchange. I don’t care what fund you invest in with Vanguard you are not divorced from the US economy

Late-Many1410

Probably not the best place to post this, but if you have insight to where I can take my questions before I start finding a councilor? Here is my question provided to chat GBT. This is just to get a grip. I plan to find an S&P EFT to mainly grind. If I am brand new to investing. What are the differences between the QQQ and QQQM? What would make someone want to invest in one over the other when they are virtually the same thing? To save you the time here is the TLDR although it does miss a couple things. • Same companies. Same performance. • QQQM is just cheaper and better for long-term investing. • QQQ is more popular with traders and institutions due to liquidity. If you’re just starting out and planning to invest for the long haul (years, not weeks), QQQM is probably the better fit for you.

Late-Many1410

I’m also kinda mad I already spent my $40 per check on the SPY this morning. Until I get my final card paid off I’m putting $40 into my ROTH every check until I pay it off. Then I will be working towards putting $70-100 every check towards it. Cause damn I thought I already bought the discount a couple hours ago😂😭 This is my individual Roth I just started not long ago. Gunna get my IRA set up for my work really soon cause it’s dumb of me not to. However I plan to just dump the $40 into SPY for now. I plan to start branching to the QQQ and the GLD EFT once I get about $500 into the SPY. I was also thinking about adding SCHD EFT for the dividends to never cash out. So my plays will be SPY QQQ GLD SCHD how would that be for starting my portfolio?

threeriversbikeguy

Could we go '89 Japan? I don't really think so long term. Right now it seems like for the most part as the US economy tanks all other indexes follow. And vice versa. I admit I have cash sitting around in hopes of buying in at a steeper loss in my international EFT, but that is about the extent of my gut feeling.

Mammoth_Impress_2048

It's not a stock index you can invest in with an EFT if that's what you're wondering. It's just a general gauge for consumer behavior and estimating future consumer spending, when consumer spending drops securities markets usually follow, as businesses take in less revenue, unemployment goes up, and consumer spending usually drops further, recessions are almost always accompanied or preceded by declines in the CCI, and the present decline is one of the sharpest in quite a while.

Organic_Morning_5051

Oh, I didn't know they **really** made an EFT. That was stupid! For what it's worth 11 months isn't enough time to see how it would have actually performed but still, that's stupid... thanks for me giving me something to investigate today!

hiddenintheleavess

Ok. And? what is a blockchain, proof of work, a halving and what implications it has, what are coins, keys, wallets, cold storage vs hot storage, EFT and implications, mining, and what regulations surround it?

LeupMeisterGenral

I’m going to be completely honest with you. Do not do options. EVER. It is gambling 100% unless you are doing long dated contracts for a slow and steady gain over years. Keep your money in a virgin EFT fund, please

Quexana

I am buying... inverse EFT's.

SmellsLikeHoboSpirit

Tesla Inverse EFT and chill 

Quexana

Hoping to get not poor enough off of these inverse EFT's to buy puts.

SpaghettiMawnster

Any of yall play EFT ,7d2d, schedule 1 or CS

terrybmw335

I know crazy action. It didn't fill my buy at $6.50. Then jumped over $10, now back down to $9 or something. I've got my buy and sell points set I'm just not going to look at it and be surprised when either order fills. I get its a 3x EFT but the movement on this thing seems insane to me. Like GME in 2020 lol.

Zartanio

You're thinking switch future contributions to bond funds, leave them there until things turn positive again and then transfer those funds back into the main EFT? Appreciate that thought. Thanks.

Tonyricesmustache

Do you have a 401(k) available or some type of retirement account? This is the first place to invest if you do. If not, I would suggest looking into maybe a vanguard brokerage IRA. There are EFT’s that have a low minimum buy in that may be perfect for you. Above all else I would recommend talking to a professional first.

hcook10

I pulled all my stocks out, thinking of an inverse EFT but if the circuit breaker goes off I could lose a bunch

Fun_Concentrate3149

This. But diversify BTC holdings. Longterm. Direct BTC ownership, BTC EFT (people do lose private keys/access), MSTY for income, MSTR for the inevitable multi share splits. IF you don’t believe in BTC’s consistent and dramatic price increases over the next 10 years, then buy and invest in …Something else.

teh_longinator

Amen. I shot myself in the foot on my 20s with massive debt I'm still paying off. So now in my 30s while everyone is ranting about how they've lost thousands today because the market plunged... I just shut up because this is just a buying opportunity for me as I'm still in my "Weekly DCA into EFT" phase. But then I know some people where this market is a huge deal because they're on the brink of retirement.

Blacksmoke16

One easy optimization would be to use a treasury money market/EFT fund which would save you state/local income taxes. E.g. Vanguard's [`VUSXX`](https://investor.vanguard.com/investment-products/mutual-funds/profile/vusxx) money market fund which is at `4.24%`, or their [`VBIL`](https://investor.vanguard.com/investment-products/etfs/profile/vbil) which is basically the same thing but in ETF form.

Top-Figure7252

Why did my EFT and mutual funds go up with the tariffs? Is this just a knee jerk reaction by the market or is it the calm before the storm?

hcook10

Try SQQQ or an inverse EFT

hcook10

I put a bunch in an inverse EFT, either win big or lose big tomorrow

SirGlass

ETFs have competing firms called authorized participants, if the EFT shares trade at a premium and are more valuable then the underlying assets these firms will buy the underlying assets then turn them over to the ETF manager in return for ETF shares they can sell . Or do the opposite if the ETF shares trade at a discount they can buy the shares and trade them in for the underlying assets So from my understanding the manager does not really decide when to do this the authorized participants do when there is an arbitrage opportunity and the ETF trades at a premium or discount. And because there are competing firms there is an incentive not to let the discount or premium get very wide, because another firm could step in and arbitrage it away so this incentivizes them to act fast

PeterDaPinapple

What power does he have to control the price of an EFT? Am I stupid?

DT5105

Gameshire Stopaway is sitting on $5.6 billion dollars. The are purchasing $1.3 billion in a finite resource called bitcoin... good luck leveraging EFT with btc to continue shorting a stock that owns btc. it cannot be cellar boxed. Mods please leave this up as it is informative and the catch 22 is entertaining.

CanaryPutrid1334

Hefty bag bill is the 2x short gold EFT

semicoloradonative

I know. I don’t understand the point of your comment. Did you read my first original post about it and WHY I moved into ETF’s and the fact that I’m using all three for different purposes for my retirement? Would you disagree that having an EFT as opposed to individual stocks lessens your exposure?

butts____mcgee

What's wrong with a gold EFT? Answer: nothing, for 99% of people.

brucekeller

"To try and make you overdraft more, teehee." But see if you can get a small line of credit. At my credit union, back in the day when I'd get low enough, my LOC would take over and if that maxed out it would just decline the payments and I'd only get a fee if I had an EFT coming out or something, but no debit card overdrafts ever again. Although my credit union might just be cool about the declining payments without dinging credit thing, not sure.

Various_Couple_764

Proffered stock EFT PFFD and PFF 6%yield. PFFA 9%, high yield corporate bond SCYB 7%

David_Buzzard

With Mad Kind /Donald on a rampage, the markets are really uncertain, so now is probably a tough time to getting into investing. Otherwise, the S&P 500 has been returning something like 20% a year for the last few years, so put it into a S&P indexed EFT fund and it's going to pay you +/- $100,000 a year. Put a few bucks aside to try some riskier stuff, but never bet the farm on that.

ck3thou

not all hope is lost. He can sell the screenshot as an EFT

eelnor

Can’t time market. Pick amounts and intervals and Dollar cost average an EFT

cakewalk093

Yeah but doesn't EFT have " a group of different stocks or securities" instead of just ONE single kind of stock? so how does TSLQ only have one single kind of stock?

Independent-Tree-985

If you cant even crack your own 50ma are you even an EFT?

BigBeanMarketing

I doubt the majority of people in developed countries have 13,600. Market was due a correction, stick it in an EFT and forget about it for a few years. Don't chase losses.

PresentationNext6469

I have very very few shares but I’m keeping my solid earners and I liquidated companies that haven’t gained, and some solid but I felt volatile which was a difficult decision but I needed more confidence in that I have a pumped up cash in savings. Today I am closing my dba checking account. I’m basically retired, and as of this month I filed and already received my first Social Security deposit filing just a couple weeks ago. I’m holding my pittance in solid technology, big consumer goods, one EFT and one bank company stock, plus I’m still an ape! I found investing in Waste Management treating me surprisingly well as each year we toss more rubbish away than ever. Again I only gave chump change and mostly I’m experimenting.

grahsam

Before everyone starts anger typing axioms at me, I have several accounts. I'm not messing with my IRA or 401K, I'm leaving those where they are because that is long term. My other account is "play" money I have for growing if I want to use it for something down the road in the short term. ...ok... My short term, regular old brokerage account has lost more than 50% of its value in just four months and I'm thinking its time to find somewhere to keep my money for a little while. The money is at Fidelity, so I am thinking I can either 1. Sell off my equities and put it in the SPAXX core position where it will gain around 4% monthly. 2. Sell off my equities and put it in a bond EFT like BND which has been nudging up slowly and getting around 3.5% I don't want to buy actual full on bonds because that seems like something beyond my ability to manage. And I am not really interested in foreign markets for reasons I won't go into so this doesn't become a whole political thing. SPAXX will get taxed like income, which sucks, but it is liquid and safe. Interest rates could drop, but then I can reposition quickly. BND (or a similar ETF) has a little wind at its back since bonds are typically the hedge against a shaky stock market. I honestly don't know what the tax implications are in regards to the dividends if I put them right back into the ETF. Even if you think this is dumb, are one of these options a less dumb option? Is there another tool out there that would be a good "safe" place to keep my money that doesn't involve stocks? (I tried posting this on its own, but the lame moderator bot told me to F off and post it here.)

RufusPDufus

I think the concept is that if you make a profitable trade and you know that you’re going to end up in the 22% tax bracket for the year, take 22% of the gains from that trade and move it into a stable EFT like SGOV or a money market fund.

TheOpeningBell

No EFT Electronic Funds Transfer 😉

Ok-Elderberry1917

There are morally bankrupt corporations attached to almost every EFT. I'm not sure if STCE includes what you are referring to (I'm guessing Trumpcoin) but even so, just don't buy it. If it makes you sleep better have at it, but seems like a bit of an extreme reaction. Companies like Nestle and Dole are responsible for thousands of deaths but are you looking at your efts to make sure those aren't included too? Just seems like a weird place to draw a line.

Ok-Elderberry1917

It's your money, but this is probably one of the silliest reasons I've ever seen for someone wanting to change brokerages. Almost all of them are offering a crypto EFT now.

AnotherBoojum

My actual position in the market for anyone who is curious: Back in 2016 I bought about AUD $12k of the Perth Mint EFT on the basis of incoming uncertainty. The intention was to sell again when things blew over. Things did not blow over, and now I'm at AUD $35k. Yes I technically could've made more on the stock market, but for various reasons it was exactly the correct decision for *me.* For reference, PMGOLD is back by the Perth Mint and in turn, is guaranteed by the Western Australian Government. I also need to consider exchange rates, because the driving forces of the spot price are America's economy, my gold is in Australian dollars, and I live in NZ. I'm now trying to get my head around various factors because it seems as though EFTs might not be as safe as I thought, but I don't know in *what way.* I also don't have any intention of selling without a proper reason.  So yes this post is kinda about getting guidance, but I'm less interested in your final conclusions than how you arrived at them.  My options: 1) hold the course 2) convert to unallocated bullion. The conversion rate drops by the day, and is currently at 0.09. What unit that is I don't know, probably grams? The Mint also has opened the ability to trade unallocated bullion to others the same as an EFT. 3) be even more pessimistic and convert to allocated bullion 4) find a tinfoil hat and get bullion in my actual hands/my own safety deposit box.  Sorry, this whole post became a lot.

DPMKIV

SPX is an index SPY is an EFT that tracks the index

AnonThrowAway072023

NVDL is 2X NVDA EFT.  Twice the move up....or down.

dukerustfield

No, I’m out of touch and frankly a lot of gains in the past decades have been tech. I would use your brokerages EFT screener. Put in attributes you want. I don’t know you. You do

ralphrides

its the new trump economics, well maybe maybe not, its called a dip, A correction is a drop of 10 to 20%. Typically such a dip is a opportunity to buy more of a stock or EFT that you want to hold in your portfolio. But that said a critical high in the S&P is 6450 which has not happened yet but should in the next few weeks or less. I am buying some UPRO 6/20 $70 calls for $27.41 or less, if bought set a sell at $44. and hold to cash through the end of March and see what the markets are doing. GLD should peak at $280 and fall to $220 so you can play that buying the 3/7 $260 calls for $11.50 and if bought set sell order at $20 and hold to cash throuigh the end of March.

ThePsychRock

THTA a EFT with 12% dividend its mostly invested in Bonds and Treasuries.

Zarottii

Currently, you should have 10% of your net worth in crypto. Bitcoin I'm liking XRP to, and ether is a great buy right now. EFT following the s&p 500 has performed very well over the last 20 years. Your stock options are all great selections.

DecisionNo1902

Forecasting is a total waste of time - the S&P 500 over time is a great investment. I'm very sceptical of any articles. The Goldman Sachs S&P500 2024 was 6% - so only 22% off. - Its always the same junk, they always forecast between the S&P 500 Averages of 10% to 13%, as if they have a massive Crystal Ball :-D . I'm forecasting about 19-22% and I'm basing this of a mix Q4 results and outlook from the top 50 US companies. (and that was some strong headwinds from Trump and the FED) - also the EFT market and cash inflow are at a record high, with younger investors stuffing as much as they into QQQ and S&P500. In the same period 1/1/25 to 21/2/25 its already up 4.2% 1/1/24 to 21/2/24 its already up 5.2% So long as there are no, pandemics or World War 3 - the S&P500 is probably the best long-term strategy. [https://www.goldmansachs.com/insights/articles/the-sp-500-index-is-forecast-to-return-six-percent](https://www.goldmansachs.com/insights/articles/the-sp-500-index-is-forecast-to-return-six-percent)

Guy_PCS

The key is emotional intelligence. Having enough time in the market, investors can make out pretty well with S&P 500 and Nasdaq 100 EFT/Funds. Once the investor reaches a comfortable net worth, purchase individual stock, but the core investment should be in indexes. Short term trading and the market will manipulate the majority of them.

Various_Couple_764

Don't focus on your marginal tax rate! Instead focus on the actual amount of dollars you will have to pay. This means you have to use tax software or the old paper was forms and put in the ammount of money you expenses expect to withdrawal with the assumption of no job income. If you just guess it the number will likely be way to high. The IRS allows you to have a total income of 47,500 and pay no tax. It is also best to have a taxable and retirment account. The penalties for accessing money in a reitiment account before age 60 a steep. The taxable account is a good place for an emergency fund. Because you can accesss it any time without fear of penalties. This can be as simple as a money market fund with 6 months of money in it. But how long will it take you to get a new job? My brother lost his job just before the 2008 crash. He was unemployed for about 2 years. He depleted all of his savings and got a home equity loan that was almost empty before He got a job. He is still recovering from that. so a money market fund is not enough. What you really need is passive income. Many use bonds for passive income But bonds are not a good place for passive income. at 5% yield you would need you would need about 1 million invested to get 47,500. Even more if the yield is less. Many could get by with less but 47,500 is the ideal place to be, No tax and ample enough to cover most living expenses. However if you use a high dividend income ETF you could builds a passive income fund with less than 500,000. With covered call funds like SPYI you could easy get a reasonably safe 11% yield. There are some that yield more than 20%. Many would consider these funds to be too risky. But is risk important for an emergency passive income stream? For myself I am fine with SPYI. You could start small with a high yield dividend fund and reinvest the dividends. until it gets large enough And then slowly liquid and replace it with a lower less risky fund. So for a taxable emergency fund I would recommend 2 investments. I high yield EFT fund for passive income, and sa index funds for growth for several years worth of savings for emergency. And if you want a small money market fund to temporarily hold the dividned income until it is reinvested. When you are working and don't need the taxable account you can use the dividends to pay the additional tax. Or use it to pay fro vacations. Or simply reinvested into your index funds for savings. Right before the pandemic I had about 25,000 a year in passive income fro dividends. That income continued to come in unchanged during the pandemic even though the share price dropped by 50%. The share price eventually recovered in 2022 I decided to retire and since then increased my passive income to 48,000 which is enough for me to cover most of my living expense. I have enough none dividend assets to cover taxes or an unexpected large expense. My my 401K will not be available for about 3 years and I don't expect to start taking social security until I am 70.

marslaves48

Since your starting small and young dividends will be minimal. You'd be better off putting it all into long term growth EFT's and mutual funds. Your biggest advantage is you have TIME. Use it to your advantage. Buy VOO and chill. Do that for the next 30 years and you're guaranteed to be a millionaire. I would also recommend you immediately open a ROTH IRA. You'll have huge tax advantages when you go to pull out your millions later in life. If you do exactly what I said above you CANNOT LOSE. Good luck

BytchYouThought

You literally said you can't invest in he index itself in your very first sentence in the post dude... Also, EFT's aren't what you want. You want ETF's that aren't an index but funds that track it. Also, found out it does allow UK to buy ETF that tracks it. I now realize it is a you problem. Nothing is gonna help you since you're incapable of listening it sounds. My man, grow up. Being this childish is sad. Lashing out at others, because you can't work an app is honestly sad. Take your own advice and go outside.

VPackardPersuadedMe

How does one invest in them? Have they released a BTY EFT?

Diligent_Elk6082

Are trying to time the market, not a good idea, some of these choices are overlapping and not working. Such as AMD, buy nvda or more avgo. HIMS & bbai are meme stocks. If you missed the big unwarranted jump in these 2 look to exit take your profits and invest in an ETF, these are 2 will get slammed. Invest bi-weekly or monthly not daily. Diversifying across a wide range of stocks is not a good long-term plan. You have your principal spread out which will work when more centered in 5-6 companies and ETFs. Look at XLF. I'd keep appl, avgo, first solar could come back all depends on trumpy and his administration. AMZN and GOOGL are directing you towards all the mag7. META is the better-performing mag 7 currently. You need more diversification. You are tech-heavy. partial shares will work better with a low expense EFT/index fund stay with 2-3 mag 7: avgo, appl, nvda drop the meme stocks look at XLF and Berkshire-b shares NVS and Gild are better choices than hims, lly in the long run bk and sf for financial et/lng for energy low-expense wm, tmus, t for US-centric that are pretty much recession-proof

mypoliticalvoice

Physical cash is a poor choice when the administration is provoking an inflationary trade war. Maybe overseas EFT's?

Independent-Theory10

I have 15k to invest. I want to diversify my portfolio; however, I am not sold on what and how I should distribute this money. I have an emergency fund, and I am debt free. Do I put all 15k into EFT's or do I put a certain percentage into EFT's then the remaining into individual stocks? Or are there better ways that I could use this 15k to diversify my portfolio. (I am 19 and this would be my first proper act of investing). I am aware that EFT's do diversify your portfolio...

Harrigan_Raen

How about none of those? PLTR just jumped \~40% in a month. And while I own it, I frankly am bear-ish in the short term. But not enough to sell my position. AMD is nicknamed Advance Money Destroyer *for good reason* MSFT you probably better of putting in an EFT like VOO/VUG NVIDIA is probably the best bet of the 4, but still ehh depending on what ex-president Drumf does with taxes. IMO if you want to go full tilt, I'd say something like HOOD, COIN, RKLB (in that order). But its a gamble. \*I own HOOD as well so im kinda bias'd towards it.

jonnyrockets

I don’t understand this logic. You can choose to believe or not what is being manipulated by “insiders” - or you ignore it all and simply look at data and past performance. Many insiders buy stock and it falls. Sell it and it rises. Their reasons can be anything, rebalancing, need money to pay prostitutes, vape oils, doesn’t matter. Even if you do all your research, you are probably still 90% in the dark and not even blackrock or Buffet know any more. Best not to overthink, overdramatize small moves at key points in time and feel conspiracy around you. Will make you nuts and you will likely be wrong. Zoom out 5, 10, 25 years. Imagine buying and EFT in 2001 and forgetting you owned it. You would be a wealthy, very wealthy person. Wouldn’t ever think about fed policy, insiders, price of eggs, how Trump conspired to grift meme coins. How Elon made TESLA grow to trillions. You could be rich if you trusted other people’s ability to make money and you own a smidgen of a percent. That’s the way.

Express_Helicopter93

Wow that has to be like the safest EFT of all time. And that’s saying something. Lol why wouldn’t this see year over year gains eternally, I must be missing something…it’s too easy

chill_brudda

There is a EFT based on republican trading called KRUZ, it sucks though compared to NANC. KRUZ averaged a 14% return since 2023, NANC had a 26.8% return in that same time.

EVOID_Avatar

Up to $50k can go into EFT's. But my logic was those are more long term so don't know how profitable they are over a month

mypoliticalvoice

Any thoughts on mitigation? Switch from stocks to bonds? Switch to international EFT's?

Independent-Tree-985

Some of you really dont know that you can outperform 90% of the retail and institutional traders by simply buying an EFT and never selling it

Yogosan

Hey guys, I have been reading about investing and stuff on all the recommended links but I still can't get my head around some things. One of them being EFT's and mutual funds. I decided to look for trading 212 vs Vanguard comparison because I am not sure which one to start use and this concept of EFT's and stock vs mutual funds. Can someone explain simply the different? I was just looking to invest long term and put a certain amount every month, and since vanguard £500 minimum deposit put me a bit off, I was looking for other platforms.